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Category Archives: Prostar Insurance

We don’t mean to be a ‘Debbie Downer’ but its true, we all want to get away for a couple of days on a weekend like this one. 90 degree weather in Washington state only sticks around for a short time and many people will be on the road heading to a campsite, a family outing, taking the boat out, and many other summer activities. It is best to remember that with great joy comes great risk- (maybe not in all situations, we kind of made that up) But Prostar Insurance would like to toss out a few quick reminders to help keep your auto insurance rate at a minimum this weekend and throughout the summer.

Check your tires and fluids before a trip. Tires that are old, have been sitting for a while, or have worn tread can be hazardous when driving long distances. Vital fluids like oil and coolant should be checked or even changed before enduring a long journey. Also keep an extra quart of oil in the vehicle somewhere with you.

Please Please Please.. secure your load when towing or strapping equipment to your vehicle. If something flies off your car when you’re on your way out to Eastern Washington for a lake trip or Gig Harbor for your family outing- you can be fined (big time) or even injure someone(or worse). Travelling across bridges can be especially hazardous because of crosswinds that exist only on the bridge. An accident like this will surely have a negative impact on your auto insurance premium.

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Homeowners and Small Business Insurance in Kirkland, Washington: A look at lowering the financial overhead for residents and business-owners of  Kirkland, Wa. or as the locals say- ‘the little city that could’

     Kirkland has many attractions to bring people from all over the Puget Sound, especially in the summertime. The bars and restaurants are always a hit, not to mention the pathways and parks along the beach! With summertime just around the bend, business should pick up for the small businesses around Kirkland. It is a great time to think about moving to an independent insurance agency which has dozens of the top-rated companies on tap at a moment’s notice; for you to know FOR SURE that you are not overpaying for your small business insurance.

     We always hear from just about every company ad on TV how they “save an average of blah blah blah” The problem is that these are captive companies committed to their ONE product.

     Here’s the secret, the only way to really, truly have the best deal available(in Kirkland yes!) is to have an independent insurance agency quote you from multiple companies at the same time, not only saving you time and money from shopping around yourself but knowing that you have the most comprehensive plan you can possibly obtain in the state of Washington.

     Prostar Insurance has the markets to compete for you in any industry or personal insurance need. Whether it be General Liability, Business Owners Policy, Umbrella, Auto Home, Life, we have multiple markets to match you with the most complete insurance policy that you can imagine, often adding more coverage and lowering your premium simultaneously!!

To learn more, contact:

Prostar Insurance – Bellevue, WA

ProstarInsuranceAgency.com

1.888.304.5538

 

With many people finally getting up and taking a stand to cut back federal spending,  and to streamline the economy- The November elections should be a whole-hearted change in policy from the county level all the way up to Federal. In Washington State, I-1082  is an important part of this change.

   -Washington state is 1 of only 4 states that does not have a private workers compensation market. The government has a monopoly.

   -While workers’ comp taxes are decreasing in most other states, Washington state is increasing taxes in 2010. Oregon has not increased rates in 20 years and employers there are actually experiencing rate decreases this year

   -Washington has the second-highest cost per employee for workers’ compensation while simultaneously providing the third most generous benefit package in the nation. There’s no such thing as a high-benefit/low-cost system, its ludicrous!

There has also been an 82% increase in administrative costs at the Department of Labor & Industries over just the past 10 years!

Lets open up Workers Compensation to private Insurers by voting YES on I-1082 this November! To learn much, much more visit saveourjobswa.com

To obtain the best and most comprehensive business insurance quote and policy available in Washington State, visit Prostar Insurance!

We have to admit, Clyde Hill, WA is a great place to live- Excellent views for many homeowners, relatively safe(except for the Clyde Hill Coyotes), a quiet spot surrounded by the urban areas of Bellevue and Seattle. High-value homes demand a special look at your insurance. Prostar Insurance has fostered a special relationship with companies that specialize in high-value home insurance. Sometimes there are coverages that you may need that a normal insurance company doesn’t carry. It may not cost much more, its just that high-value homes are not their specialty- therefore they don’t offer extra coverages.

With recent prowlers targeting Clyde Hill, it might be advantageous to reevaluate your current insurance and go with a company that more often-than-not increases coverage AND lowers your monthly premium, while moving to a well-respected insurance carrier. Prostar Insurance specializes in Clyde Hill homeowners insurance and would be happy to help you, we’re right around the corner!

Prostar Insurance

13400 NE 20th St #8

Bellevue, WA 98005

425.208.0035

If you’ve debated on whether to take off for a few days during spring break but want to skip the beach parties in Miami and San Diego and save money while you’re at it, consider Hotwire.com’s top 10 best value destinations for Spring Break. From places to learn about our country, art exhibitions,  museum tours, and even theme parks to bring the kids, this list of the best value cities to visit in 2010 is sure to fit the bill for an adventure whether it be solo, tandem, or with the whole family. Many hotels in these cities are offering special Spring Break deals to lure people away from the popular Mexico destinations during this time of year. For more info on each city you can contact Hotwire.com

1. Atlanta, GA

2. Orlando, FL

3. Phoenix, AZ

4. Dallas-Fort Worth, TX

5. Denver, CO

6. Houston, TX

7. Los Angeles, CA

8. Raleigh, N.C.

9. Chicago, IL

10. Miami, FL

In November of 2009, the CERN particle collider broke the world record for the fastest atom smashing ever created since the big bang. Now, the collider has tripled the record and smashes atoms at 3.48 trillion electron volts or TEV in order to peer into the secrets of what happened during and after the ‘big bang’. The researchers at CERN also are looking into dark matter and an elusive particle dubbed the ‘Higgs Boson’ for which modern physics is based upon. The CERN scientists hope to reach nearly the speed of light with these particles and smash open some of the secrets of the universe, which can only be answered by these means.

Source

Calculate your insurance risk with the Insurance Risk Calculator. It will give you an idea of your life insurance risk, auto claims, property, and disability risks. By noting the average premiums, risks of specific accidents and claims, you can see how well you stack up on your insurance risk and also how much you should be paying for your insurance. For more info, contact Prostar Insurance

With Seattle’s office vacancy above 20%, gym’s and workout clubs are turning office space into macho-mansions. One of the last things to go in a troubled economy seems to be gym memberships, and drastically lower real estate prices have led to a boost in gyms. Over the past year, L.A Fitness opened a 55,000-square-foot gym in the Ballard neighborhood of Seattle, 24 Hour Fitness opened its 17th Seattle-area club last month, boasting 46,000 square feet at the new Overlake Center in Issaquah, and Gold’s Gym is due to open this month at Rainier Square, taking 13,000 square feet formerly occupied by a home-décor store and art gallery. Not to mention over at 507 in Northgate, 24 Hour Fitness signed a contract for a new, 45,000 square-foot gym near the Northgate Mall where office max and circuit city used to reside.

For many, the idea of having to cancel membership during a recession and lose initiation fees for when the economy recovers is not worth the time. In fact, getting in shape during a troubled economy can help you stay healthy to avoid doctor visits, medicine, and time off work. Working out is well known to be a stress-reliever, detoxifyer, stamina-builder and muscle-gainer for riding out the tough times. Having a gym membership can be fun as far as meeting new friends and maybe discovering a new activity that can be beneficial to your overall well-being. To learn more, contact Prostar Insurance for recommendations!

According to a catastrophe modeling firm AIR Worldwide, the losses from a quake near the coast of Chili that killed more than 700 people could exceed 2 billion dollars.  The quake struck dozens of miles underground but near the capitol city of Santiago, disrupting commerce and now leading to looting in many of the cities near the capitol.

In the aftermath of the magnitude 8.8  Tsunami watch for the Seattle area but was later retracted by the National Weather Service.

Many people assume that their auto insurance rate is a static component of their monthly bills, never questioning how changes in their lifestyle can have a drastic effect on insurance premiums by certain carriers. However, there are lots of insurance carriers serving Washington and the greater Seattle area that might honer certain changes you make that another well-respected company may not. The trick is to shop around but this takes time and diligent effort to obtain a company that has the best balance of coverages versus what you are paying in premiums. Prostar Insurance does the shopping for you with dozens of the most well-respected insurance carriers in the Pacific Northwest. If you want to stay on top of your insurance month after month to take advantage of incentives that other companies may offer, here are a few instances where you should check your policy:

Is your credit score significantly higher or lower than before? Sometimes a bad credit score is matched with a low accident or violation history and a lower rate than any other carrier emerges. It simply depends on how companies place their weights.

Are you turning 25? You will see a significant drop. This is widely accepted throughout the auto insurance industry.

Bought a home? Homeowners are considered more stable and reliable. Also many companies offer home and auto packages that can save thousands of dollars a year.

Take a driving skills course– insurance companies offer discounts to drivers that are smarter on the road. A driving skills course can teach anything from skid controlling defensive driving to advanced safety maneuvers. Not only will you save cash, you might learn the skills to keep you and your family safe in a variety of driving scenarios.